Best UITF in the Philippines in 2020

The following are the best UITF in the Philippines in 2020. The data includes complete list of best performing UITF for equity funds, balanced funds, bond funds and money market funds.

If you have Unit Investment Trust Funds (UITFs), you must be updated with the periodic ranking of UITF to know how your investments performed in the last months, quarter, or period compared to other UITF.

Why should you invest in UITF?

This question is always asked so many times on the threads so it will be great if I share the answers in this post.

If you have extra bulges of money and you want to invest them so that they can earn some cash (higher than Time Deposits) and you are aware of the risks involved, you phone your banker and ask about any investment product that could give you that, they will surely give UITF as one of the options.

UITFs, unlike Mutual Funds, are easy to open nowadays. In the recent months, PNB started the UITF Online account opening in the Trust banking empire. We can now open these investments online and enjoy paperless transactions.

As long as you have an existing bank account, you can open or enroll your UITF and redeem or withdraw your funds from it. Banks like PNB, BDO, BPI, Metrobank and Security Bank offer UITF online.

How do you choose the UITF that is right for you?

It’s simply by knowing your investment goal and your risk appetite.

Best UITF in the Philippines in 2020

Top performing UITF in the Philippines. Data will be updated every quarter. Data is based on YOY (in the last 12 months) ROI.

The performance of financial market is not that impressive in the last twelve months that’s why you will see some poor performances in the following data. Global market and Fed hikes contributed in the decline of investments. On the other hand, financial experts and investors are still confident about the future growth of the economy which will eventually lift up other businesses and investments in the country.

Top 15 Best UITF Equity Funds in 2020:

Rank

Provider

UITF

ROI

1

BPI Asset Management and Trust Corp.

BPI Catholic Values Global Equity Feeder Fund

18.6763%

2

BPI Asset Management and Trust Corp.

BPI Philippine Consumer Equity Index Fund

4.7493%

3

BDO Unibank, Inc.

BDO ESG Equity Fund

3.1267%

4

AB Capital

AB Capital Equity Fund

3.0122%

5

BDO Unibank, Inc.

BDO Institutional Equity Fund

2.6927%

6

BPI Asset Management and Trust Corp.

BPI Philippine Equity Index Fund

2.6032%

7

Asia United Bank

Equity Investment Trust Fund

2.6013%

8

Metropolitan Bank and Trust Company

Metro Philippine Equity Index Tracker Fund

2.4886%

9

United Coconut Planters Bank

UCPB Philippine Index Equity Fund

2.4691%

10

UnionBank

UnionBank Philippine Equity Index Portfolio

2.3987%

11

Philippine National Bank

PNB Phil-Index Tracker Fund

2.3644%

12

BDO Unibank, Inc.

BDO Equity Fund

2.3074%

13

Security Bank Corp.

SB Philippine Equity Index Fund

2.2606%

14

Metropolitan Bank and Trust Company

Metro Aspire Equity Feeder Fund

2.2584%

15

BPI Asset Management and Trust Corp.

BPI Philippine High Dividend Equity Fund

2.2412%

Top 15 Best UITF Balanced Funds in 2020:

Rank

Provider

UITF

ROI

1

BPI Asset Management and Trust Corp.

Odyssey Diversified Capital Fund

11.4430%

2

BPI Asset Management and Trust Corp.

Odyssey Diversified Balanced Fund

8.8419%

3

UnionBank

UnionBank Peso Balanced Portfolio

8.4022%

4

BPI Asset Management and Trust Corp.

BPI Bayanihan Balanced Fund

7.7996%

5

Security Bank Corp.

SB Peso Asset Variety Fund

7.2129%

6

China Banking Corp.

China Bank Balanced Fund

6.1114%

7

Metropolitan Bank and Trust Company

Metro Balanced Fund

5.2207%

8

RCBC

Rizal Balanced Fund

5.1738%

9

Metropolitan Bank and Trust Company

Metro Aspire Balanced Feeder Fund

5.0253%

10

Landbank of the Philippines

Landbank Growth Fund

4.8657%

11

BDO Unibank, Inc.

BDO Peso Balanced Fund

4.8129%

12

AB Capital

AB Capital Balanced Fund

4.7895%

13

United Coconut Planters Bank

UCPB Balanced Fund

3.8997%

14

BPI Asset Management and Trust Corp.

BPI Balanced Fund

1.7885%

15

Philippine National Bank

PNB Balanced Fund

1.0793%

Top 10 Best UITF Bond Funds in 2020:

Rank

Provider

UITF

ROI

1

UnionBank

UnionBank Long Term Fixed Income Portfolio

22.2309%

2

UnionBank

UnionBank Tax Exempt Portfolio

20.7045%

3

BPI Asset Management and Trust Corp.

ABF Philippines Bond Index Fund

18.5393%

4

Security Bank Corp.

SB Peso Bond Fund

18.4662%

5

BPI Asset Management and Trust Corp.

BPI Fixed Income Portfolio Fund-of-Funds

17.5371%

6

China Banking Corp.

China Bank Fixed Income Fund

17.1097%

7

BPI Asset Management and Trust Corp.

Odyssey Peso Bond Fund

16.6933%

8

RCBC

Rizal Peso Bond Fund

13.2098%

9

ATRAM Trust Corp.

ATRAM Total Return Peso Bond Fund

12.2710%

10

United Coconut Planters Bank

UCPB Peso Bond Fund

11.4713%

Top 10 Best UITF Money Market Funds in 2020:

Rank

Provider

UITF (Money Market Fund)

ROI

1

UnioBank

UnionBank Peso Short Term Fixed Income Portfolio

6.3129%

2

Asia United Bank

Peso Money Market Fund

5.8060%

3

China Banking Corp.

China Bank Short-term Fund

5.2551%

4

RCBC

Rizal Peso Money Market

5.0315%

5

BDO Unibank, Inc.

BDO PERA Short Term Fund

4.8166%

6

BDO Unibank, Inc.

BDO Short Term Fund

4.4238%

7

BPI Asset Management and Trust Corp.

BPI Money Market Fund

4.3409%

8

Philippine National Bank

PNB Peso Fixed Income Fund

4.2351%

9

China Banking Corp.

China Bank Money Market Fund

4.2164%

10

China Banking Corp.

China Bank Cash Fund

4.0632%

UITF, like other investments, have risks. Make sure you never put your money in one investment. It is important to diversify and to have regular income sources.

Reader Interactions

Comments

hello i currently invest 100k in 2 groups from manulife and i told to my auntie to put it on equity and bonds, since i am ofw and i will go back to redeem maybe 3 to 5 years from now. do you think manulife is a good investment company? and do you think it is better idea not to redeem in long term run…

Hi, equities right now are not performing very well so do not expect big returns although you’ll get profit in 5 years. With bonds, medium term is good as well. To learn more about Manulife, head over to their latest Fund Fact sheet and Prospectus. It’s available for all clients.

Hi, ABF Philippines Bond Index of BPIAMTC keeps on going up since start of the year. Will it be wise to still subscribe at this time though interest rate (according to Bureau of Treasury) are now lower? Will does it affect the ABF Philippines Bond Index movement? Any thought. Thank u.

hello, I am recently interested in investments these days but I don’t have much money to invest. Can you suggest a good investment for me with PHP5000-10000 investment, low/conservative risk taker so I’m thinking about money market or bond investment. Mas okay ba pumasok muna ako sa UITF bago Mutual Funds? and ano best company na maisasuggest mo po for that? thanks!

Me and my husband are both ofw here in dubai, can you suggest us which fund fits for us, i want uitf in bdo, and also for my kids for their education in the future. Do you think equity fund is good for us? Thanku

I never had any idea about investment. Reading your blog help me to wake up. I read all the question which is really good to understand about investment. I work in abroad and im planning to reire at 65, im 45 y/o. So i have 20 years more before retiring, what investment you can suggest so that i have an idea. And planning to start next year Jan 2019. Thank You for your advise.

Hi Ms. Fehl, I’m a policy holder of BPI-Philam Equity Index Fund2 with Build-Life Plus rider for two years.
I don’t have much knowledge regarding UITFs and MFs . I just read blogs and reviews that’s why I decided to invest. However, upon checking the account value, its getting lower and lower everytime I check my account.
Will it recover eventually considering our current economic condition?

Since the market is very volatile (actually downward trend), I am actually inclined to put more money in my UITF Equities (BDO and SBC). Do you see any chance the market will reverse or will it continue the downward trend? Hoping to hear your thoughts.

G’day Ms Fehl, i have several UITF (5 in high risk funds) in three separate banks since August/September, All five funds have tumble a fair bit! Your thoughts on the current financial market, taking into account the Donald Trump win…..

Just requesting for a suggestion, My BDO Peso Balance Fund is downed by this time, Do I have to withdraw my investment and invest it some other time, or just keep it as is and wait some time to gain momentum.

i am interested to invest, since i am planning to avail of a long term loan, if my desired amount is approved, i would like to invest 500k to an equity fund type of investment for a 5 year term. is it advisable? or i will just be wasting time and money.
please enlighten me, i need your advise. thank you!!

Hi, I don’t suggest using the money from a loan to invest on equity fund coz first, your loan has interest and you have incurred loss already. Second, equity funds are very risky and volatile. They need 5 years or so to appreciate in value. Make sure you invest only your own money or savings and that is only 20% of your total money.

hello. do you know how can i add money from my savings account to my investment account through bpi express online? the teller said that i just need to click “subscribe” but i don’t know how to add. thanks

Hello maam Fehl, I’M and OFW and a newbie with regards to investing UITF. I started to open UITF Equity fund in BDO last april 27, 2016 amounted to 100k pesos with limited knowlege about it. but as I go reading with your blog and other UITF websites in the philippines I gained information which makes me confused which UITF if better with high ROI, since I have and extra amount and I want to save for my Kids Education and my Future retirement. My question is? is it possible to open another BDO UITF Equity funds (BDO Sustainable Dividend Fund) aside from my existing acount since this type of equity funds have a higher ROI and with cheaper Unit price. Thanks

Hi Coleen. Thanks for visiting. Yes, you can open or add another UITF of your choice. Always follow your personal objective, risk appetite and goal and need not to worry as UITF are managed investments by experts 🙂

I went to BDO bank in SM Marilao and asked about Mutual Fund but I was told that their bank no longer offer it and I doubt it. Instead the lady bank personnel offered me other investment products which I’m not interested in.

Is there a bank term or any other magic word that I need to utter so they can say that indeed they offer Mutual Fund?

Hi Ms. fehl, im thinking na iwithraw ko po ung equity fund sa BDO which i invested on 12/15/15 at 406/unit… can i sell it if i gain 10% this May and shift to PNB equity or wag po muna? maybe ill be needing the money 2yrs from now.and also i want to gain more profit.

How will the election period affect the UITF or the market? Is it because of major consumer spending? Also, is it good to buy units now or wait for a while (i.e. wait until its almost election time)? BTW, I am into SBC UITIF

I would like to seek your advice on whether now (Feb 2016) would be a good time to invest on UITFs that have a direct relationship with the stock market. I am specifically referring to the PNB Enhanced Phil-Index Reference Fund. Since it is directly tied to the stock market I assume that the NAVPU of the UITF will directly reflect the stock market. Since the PSE suffered a not so good year ender last year, compared to its peak the same year, I assume that now would be a good time to buy that kind of UITF since it is low price and forecasts say that the PSE will have a good year this year.

I recently just applied for a high-dividend equity fund with BPI, but realized that would only be for the long-term. I want to grow my money, but there are also some short-term goals that I want to achieve (e.g. get married within a year).

Given 100k, how would you recommend this money be spent? Should I spread it out among several UITFs/mutual funds? Thank you for your help!

Hi, you won’t get that much with your 100K with only a year. The longer you invest, the more you will receive. If you will plan for a year investment, the best option is Bond Funds or Fixed Income Funds but do not expect high returns for that. If you want higher returns, you need to take more risk by having Equity Fund like you mentioned and invest for 3 years or so

Hi Miss Fehl, I’ve invested in SB High Equity (understanding the risk) fund last November 2015. i know it wasn’t performing well right now but i just noticed something. i tried to compare others bank NAVPU and it seems SB NAVPU dropped so much. is it because of fund manager’s strategy that leads to a lower NAVPU? need your thoughts about this.. thanks! =)

thanks for the recommendation miss Fehl. how about Fixed Income Securities/ T Bill and RTB? I’ve read on the internet that these investment vehicle is also good? is it the same as UITF and Mutual fund? thanks in advance.

I am into Security Bank Peso Equity Fund for almost a year now. I started investing during its peak this year and obviously, it went way way down. Kindly advise if its a good decision to buy more units.

Hi Fehl. A little off the topic but what would be a good Dollar UITF? I have the minimum amount and don’t want to place them in savings. I have invested in BPI Equity funds already so BPI would be a no-brainer, but i just need insights since this would be a first time to invest in Dollars.

(Sorry if you have answered this in previous comments but there are so many to backtrack!) Thanks!

I was just thinking…when I tried to check “BPI Philippine High Dividend Equity Fund” in Bloomberg to look at its performance via graph, I saw it also has a price of Php 119++. Does this mean we can also buy these using COL Financial? I’m not sure if my question makes sense. Sorry, I’m a newbie and trying to learn. Please enlighten me.

Hi Ms. Fel. It was many yrs. ago since I tried investing at BDO equity fund then the market crashed ,the fund manager informed me late already that i was losing some 30k in a weeks time so I panicked?asked her opinion what to do if my fund becomes zero will it still recover but couldnit give me outright answer so I pulled it out losing 30k. Can i recover the loses even if my fund run dry zero level, by not pulling out the funds?because of this i was afraid to invest my money again in yhis venture. Pls. Advise me.

Hi. Yes, as a beginner, start at one fund. After few months, you will experience some things and you will learn more so you can open another investments that meet your risk tolerance and objective. BDO UITF are easy to monitor. If you have BDO online banking already, you can view your UITF on your dashboard and see your UITF performance and earnings. We have an article here about that too.

Ever since I joined SECB’s UITF last January, the value of my money continues to dip. I am new to UITF and I fully understand the risk, but I can’t help myself to be worried. Is it advisable to add more money to SECB since it’s NAVPU is really low or should I hold my money for a while?

how long is a “long term plan”? i mean, i am planning of keeping my BDO Equity UITF for atleast 20 years or i have to withdraw it every 5 years then re-invest again? what is the advisable strategy for long term investment with a 20-year horizon?

I have just completed my five year time deposit, so I can now invest more in investment funds.

What is the biggest and quickest producing fund in the Bpi roster of funds, I am disposed to assume risks.

What do you think of the BPI Philippine High Dividend Equity Fund; from its beginning and now for over a year’s history, it seems to have outperformed all the other Bpi and Alfm funds maintained by Bpi asset management.

Hi Ms. Fehl, Thanks for the blogs; these are very educational, helpful and has motivated me to start investing. I’ve been following these blogs for nearly 2 years now but this is the first time for me to post a comment.
Well, I’ve placed 2 UITF subcriptions in BPI last year. One for a Balanced Fund and another for a Long-Term Bond Fund. At the time, my investment risk appetite was deemed moderately conservative. This has since changed and I’m planning on investing on equity UITFs. Do you think it would be good to stick and subscribe from BPI for these or would it be better to go to other bank for diversification? I have a savings account at BDO. Thanks

advisable po ba to invest ngayon na down ang market or should i wait? wala pa po ako investments but thingking to have one but worried po ako dahil sa lagay ng market ngayon, what would you advice. thanks and more power

Me too, I have an existing bdo equity fund and I’m a bit confused about it, so far 5k is debited monthly on my account and when I checked my July account, 10k was deducted straight away. It’s really annoying and frustrated since I only opted 5k a month how come they took 10k without giving me info personally about any changes?

Good day to you ms fehl!!I jaz wanna thank you ms fehl for your time ,effort,advice ,guidance to us.i learned a lot from you..now i started to invest for the future of my my daughter @ for my retirement as well..God bless you ms.fehl!mabuhay ka

Ms fehl,
Do you have an idea kung kailan usually tumataas ang navpu? Coz weeks ng mababa ang navpu ng BDO. Nakaka worry kaxe. Tnx. Na avail q na navpu is 120 and navpu now is 107. Should i let it stay there or i pull out ko na?:(

The stock market is also down, it’s a normal cycle no worries. Everything will eventually come back to bullish stage. UITF have risks so you must not panic when the market is down. Babalik din naman yan. Follow your TARGET. You have a goal or a target right?

Hi. Spreading out your investment is diversification. If may pondo ka naman, I don’t see something wrong with it. Wtat is important is your plan and how you stick to it. 🙂 Yes, that’s considered 3 UITF accounts so 3 fees din

Hi! Thank you. So, what do you think of BPI-Philam’s Equity Index Fund 2? I tried to look for it in the list you provided. But, it is not there. I only found BPI Philippines Equity Index Fund. I think that these 2 are different from each other. If it is, can you please give me your insight about BPI-Philam’s Equity Index Fund 2. Thank you again & GOD BLESS

Hi Fehl.
I would appreciate insights you might have on SB Peso Equity Fund. There is no doubt that it did exceedingly well last year, therefore YOY it would really be at the top. I invested on it last month but I am starting to feel uncomfortable about my investment as its NAVPU has been going down. I know that UITF’s are supposed to be long-term investments but I feel so tempted to pull out already. Honeymoon stage pa lang kami supposedly ng aking investment pero ganito agad ang performance tsk tsk tsk.
Would you have an idea on its prospects and/or NIKL stocks which I think is where they have heavily invested on?

SECB’s Equity Fund is very aggressive that is why when their stocks performed well, SECB’s UITF goes the highest. It’s also the same when they lose, it’s a nearly bad. But their fund managers are bright, I’m sure they will pick up and recover soon. Stick to your plan, it’s too early to quit

That is if you believe that their strategy and equities would recover and would perform well again. SB’s chosen equities are very different from other bank’s UITF. Check out their Fund Fact Sheets and analyze their asset allocation for this month. 🙂

Hi Ms. Fehl, I am considering UITF for my dollar account which is around $12k. Where will you recommend to put my money? I’m thinking of choosing equity for 5 years or more. What advice can you give me?
Thank you.

I have been reading your blog 2 weeks ago and starting to open a MF account at Philequity – Philequity Fund for my future since im projecting a long term investment. However, i have also plan to open an account in UITF for my son for his education come 15 years after. Is it advisable to invest in UITF (Balance Fund) for an educational plan? If not, what would be your recommendation?

Hi. Yes, since equity funds are involved with stocks it’s possible na same effect nya with MF sa UITF on Equity pag bagsak ang stock market. However, you must take into account na different ang composition, allocation and strategy of UITF to MF so they will be entirely different too in terms of profit

In UITF or any fund based on NAVPU, is there a difference in gains as to whether you make partial redemptions everytime you make profit compared to not touching it and make it grow? If you dont redeem, will it grow such as what they call compounding interest like in bank savings? Just a thought because the value is based per unit so the number of units/shares will not be changed eventhough how big a profit you make and hence, compounding interest does not apply here, am i right on this? thanks…

This site is very useful for people like me with little knowlede about investment. It gives me lot of very useful information. Job well done Fehl.

I am an OFW here in Saudi Arabia and most of my money are on time deposit. The interest rate is very small that’s why i already reading books about stock market, reading blogs, watching tutorials but i think i don’t have enough time to check the stock market from time to time. And then I know about the mutual fund and uitf. Mukhang ok sya sa akin who don’t have enough time to check the movement of the stock market kasi may fund manager who manage my investment. Hopefully maka open na ako on may vacation this March 2015. Sabi mo nga, the earlier, the better.

SB’s equity fund is really tempting for me to invest and i believe many people are putting their money on this right now. My question is, will navpu be affected if too many people will invest on this fund at a particular period of time. How significant will this be?

Hi, yes I’m impressed with SB as well but my UITF is still on BDO. I’m so focused on stocks these days that’s why. With your question, NAVPU will increase or decrease based on how the fund performs, not because of too many people buying units. However, if the size of the total fund increased or expanded, it could help it increase profit

i just checked the navpu of bpi this day 20 january 2015… and all is zero as in lahat ng units zero.. why is that??? is this just some kind of mistake or what?? if i invested 20K in bpi uitf does it mean na zero na din ung inivest ko???

Been waiting for this article from you. Thank you! 🙂 My next investment plan is to invest in MF. So I have 1 UITF already. I have a question though, that intermediate term UITF you say is ideally good for 1 year, what if I still don’t need the money and let it stay there for another 1 year is it OK? I’m a moderately conservative type of investor but I also wanted to have a long term investment but suitable investments for me are only bond funds/growth funds. I hope you can enlighten me by giving some tips. Would you recommend that the MF account im planning to invest is a long term one and UITFS be the intermediate term? Thank you very much Ms. Fehl!

Hi Thea. Yes, you can also keep your funds for more years instead of your original plan of 1 year. When you invest on UITF, you have the power when to redeem them. 🙂 Always remember, the earlier and the longer you invest your money, the more chance they will grow 🙂

Hi Ms. Fehl, I have a question re: UITF NAVPU. I opened an account today with a minimum starting of P10K which have a NAVPU of P2. After 2 months, I decided to add another P10K with a NAVPU of P3 for that day. Will my 2nd P10K used the P3 NAVPU or still the P2? Thank you.

20% tax is only applicable for fixed income and Metrobank is one of the banks who does this. I suggest you check the portfolio of what you are investing in to avoid regrets about the charges. Try also to compare the charges being imposed by diff banks on UITF then make a decision and choose which among of those will lessen your burden on various charges.
I think this site will help you…

ok thanks i get it, my next question is
can i add fund to my bank account to be at least to become UITF
I think UITF is much better than short term
eg,
if ever i invest my 10,000 to ALI and i want it add 20k on it is it possible that my dividend will incerease annually?

UITF is a separate account. But, yes you can use your funds from your existing bank account to create your UITF account. You cannot earn dividends thru UITF like you do when you have stocks in the PSE. Yes, the more shares of stocks you have at the ex-date, the more dividends you will receive when that certain company issue them.